Put money into vanguard total market etf as a function of your age. As you get older, put less. Or, rather, put money into etf with lower risk as you get olde

Put money into vanguard total market etf as a function of your age. As you get older, put less. Or, rather, put money into etf with lower risk as you get older. Same thing with startups. As you get older, work in jobs with less risk. Well, that is if you are optimizing for return. If you don't mind being poor, go crazy.